the premium tax was in exchange for the business supposedly they would get. the device tax, people buy more devices, but dig into that, you find out that many of the small device manufacturers are not going to see the business change at all because of the affordable care act. same true for insurers, and, in this case, it is very unlikely that you will find the high cost patients who were excluded from the insurance pool in an employerponsored product, and the fee's not going to match that at all. >> all right. i have to get you to an economic question. among your many talents, you're an economist. today, we got a big disappointment witthe cnsumer confidence number that surprised people, not expecting it. we expected a better result. it drove the stock market down. what's going on here? >> i'm concerned about that. if you remember back in the fourth quarter of 2012, consumer confidence was high, business confidce low. that diversion can't persist, and the hope was it would come up, match, and have a sustained rally. it is troubling. consumer confidence ell wit